Cascade Community Federal Credit Union
Total assets
$459.2M
▲ +5.6% YoY
Shares & deposits
$379.6M
▲ +3.7% YoY
Loans
$267.6M
▲ +5.9% YoY
Members
19,642
▲ +4.4% YoY
ROA (annualized)
2.36%
peers 0.69%
ROE (annualized)
13.58%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.6 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +5.9% | +2.9% | +3.0 pts |
| ROA | 2.36% | 0.69% | +1.7 pts |
| ROE | 13.6% | 5.9% | +7.6 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1166, Roseburg, OR, 97470
- NCUA charter #
- 5652
- RSSD ID
- 566177
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $459.2M | $379.6M | $267.6M | $79.8M | $2.7M | 2.36% | 3.77% | 0.06% | 19,642 |
| Q4 2025 | $449.7M | $371.7M | $267.0M | $77.0M | $10.6M | 2.35% | 3.69% | 0.14% | 19,468 |
| Q3 2025 | $446.3M | $370.8M | $263.6M | $74.4M | $7.9M | 2.36% | 3.64% | 0.13% | 19,279 |
| Q2 2025 | $441.9M | $369.6M | $261.8M | $71.7M | $5.2M | 2.35% | 3.60% | 0.08% | 19,140 |
| Q1 2025 | $435.0M | $366.1M | $252.6M | $68.9M | $2.3M | 2.14% | 3.48% | 0.02% | 18,820 |
| Q4 2024 | $422.5M | $357.4M | $246.7M | $66.5M | $8.5M | 2.01% | 3.29% | 0.06% | 18,582 |
| Q3 2024 | $424.1M | $360.1M | $240.8M | $64.1M | $6.1M | 1.92% | 3.20% | 0.03% | 18,436 |
| Q2 2024 | $425.0M | $364.6M | $236.5M | $61.9M | $3.9M | 1.82% | 3.08% | 0.04% | 18,245 |
Loan mix (Q1 2026): real estate $124.5M · commercial $13.5M · consumer $109.6M · securities $117.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.4% | 78.7% | 1th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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